Manage your mortgage with us

Welcome to Zephyr Homeloans and thank you for choosing one of our mortgages via your broker. We aim to provide you with a high standard of service and hope that your mortgage continues to meet your needs now and in the future.

There is a range of information for our customers below. If you cannot find what you need, please speak to your mortgage broker or contact us for help and support.

Changes to our mortgage products – from 24 November 2020

With effect from 24 November 2020, Zephyr will no longer offer any LIBOR-linked mortgages. From this date on, all new mortgages will be offered with a reversion rate that is linked to the Bank of England Base Rate (BBR) instead of LIBOR at the end of the initial fixed rate period.

Please note – if you have a LIBOR-linked Zephyr mortgage, we’ve created a new information page about the changes that the Financial Conduct Authority (FCA) are making to LIBOR, and the impact this may have on your mortgage.

Making Your Monthly Payment

It is a condition of our mortgages that you make your monthly payments from a nominated bank account via Direct Debit.

You will have confirmed your account details and payment date on the Direct Debit Mandate form that you signed as part of the application process for your mortgage.

If you would like to change your Direct Debit details, please download a Direct Debit Mandate form, complete the necessary information and post this to:
Zephyr Homeloans, Gateway House, Gargrave Road, Skipton, BD23 2HL

Alternatively, please contact us if you would like us to send you a paper version of the form.

When writing to us, please ensure you include details of your mortgage account number and the date from which you want the change to become effective. Once we have processed your request, we will write back to you to confirm that this has been completed.

To discuss any alternative payment options that may be available, please contact us.

Making an Overpayment

All of our mortgages include the ability to make regular or one-off overpayments to reduce your mortgage balance and therefore the interest you are charged over the term of your loan.

Please note – any overpayment permanently reduces the capital balance of your mortgage and this amount cannot be drawn back. You may repay up to 10% of your outstanding balance each year without incurring an Early Repayment Charge. Please refer to your Mortgage Offer for more details.

To discuss your overpayment options, please contact us.

Change Your Name or Address

To change your name or correspondence address details, please contact us and we will take you through the process.

Grant Third Party Authority

Third party authority

To enable a third party to obtain information and/or make payments on your behalf to your mortgage account with us, please complete and sign the Third Party Authority form. Please note that if you wish the nominated third party to act for you and other borrowers named on the account they will be required to sign the form also.

In addition please ask your nominated third party to complete their details and provide a signature in the relevant sections of the form.

Where the nominated third party is an individual their signature confirms they have received a copy of our Privacy Notice which can be accessed here. Please ensure they receive a copy of this, or notify them where this can be accessed.

Please complete and sign the Third Party Authority form and return it to:

Zephyr Homeloans, Gateway House, Gargrave Road, Skipton, BD23 2HL

Useful Documents

You can view and download a number of useful documents that you may need during the term of your mortgage with us.

Payment Difficulties

We have a mutual interest in ensuring our customers manage their property investments effectively. So if you are struggling to pay your mortgage, or are currently behind with your payments, we want to try and help.

Find out more

Notifying us of a death

If you’re dealing with the affairs of a loved one, in the first instance, we recommend you speak to us by calling our team on 0370 707 1896* and we will explain what you need to do next.